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I am afraid that insurance policies are liable only for up to the maximum on the contract of insurance. If your damages exceed the limits on the policy then you can go to your own insurance if you have uninsured or under insured motorist coverage for payment and if not your recourse is to file a lawsuit against the party who was liable to you for causing your injury and get a judgment against that person and seek to garnish their wages or seize their property to cover your damages.
I am afraid that under state law and insurance law, insurance policy maximums are the most any insurance has to pay and anything over that is the liability of the insured liable party and you can sue them and possibly they have an umbrella or some other type of policy that will cover the excess damages.
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